Central Credit Services or CCS is a third-party collection agency based in Florida. CCS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as failure to verify debts and attempting to collect debts not owed. If you have been contacted by this debt collector, understand your rights before responding.
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According to the Better Business Bureau (BBB), Central Credit Services, LLC is a legitimate collection agency founded in 1987 and incorporated in 2013. The BBB established its profile page in 1988. CCS is listed as a collection agency. Buzzfile estimates CCS’ annual revenue at $1.1 million and the size of its headquarters staff at 42 people.
Central Credit Services’ website consists of one page that provides information to site visitors who “have received a letter or call regarding an account.” The webpage instructs letter recipients and site visitors to contact CCS at their toll-free number. Site visitors who have not received a collection notice are advised “as a last resort…to send payments and correspondence” directly to CCS’ postal address.
Central Credit Services’ webpage also contains a web-based contact form that requests site visitors’ contact information, CCS account number, and area of concern—account management, contact request, or other concern. The web-based contact form will not accept contact requests without a CCS contact number, and CCS indicates that to “ensure compliance with Federal laws, they are unable to reply via email to any information…submitted using this form.”
The bottom half of the page lists consumer notifications “required under certain state and local laws.” The list of notifications on their site is not “a complete list of the rights consumers have under federal, state or local laws.”
CCS’ Careers link leads to the Careers page of Radius Global Solutions, a “provider of accounts receivable, customer relations, and revenue cycle management solutions.” Radius Global Solutions is headquartered in Pennsylvania and has offices in Jacksonville, FL, where Central Credit Services is headquartered; throughout the United States; and internationally.
The BBB has closed 150 complaints against Central Credit Services in the past three years, with 52 closed in the past 12 months. Most of those complaints allege problems with billing and collections. Since September 2015, the Consumer Financial Protection Bureau (CFPB) has received 84 complaints about CCS and/or Radius Global Solutions. Justia lists at least 24 cases of civil litigation involving Central Credit Services
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely CCS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Cases filed in Federal Court
Most of the complaints about Central Credit Services on their BBB profile page appear without the complaint details available. Those complaints that do include details frequently cite miscommunication and problems with establishing accurate documentation of delinquent amounts.
In May 2017, a complainant indicated her attempts to communicate with CCS via an outsourced call center in India were unprofessional. The complainant alleged that the “India office is extremely disrespectful to women.” The complainant indicated that the caller asked to speak only to her husband, insulted her, and when she “asked to speak with the American office they laughed.” The complainant indicates that Central Credit Services’ “business in America has great customer service because they respect state laws as well as federal, but the India office said they don’t have to care about the laws because they’re not in America.”
Also in May 2017, a complainant alleged that he had issued a check payment to CCS in the amount of $75.00. The complainant’s bank statement indicated that the check cleared his account. He provided a Central Credit Services representative with a copy, but the payment was still not credited toward his outstanding balance. He expressed his concern that future payments would be similarly mismanaged, requested that the $75.00 either be refunded or credited to his account, and that CCS stop future automatic payments.
In March 2017, a complainant indicated he had received a letter requesting payment of $378.00 for a car lease agreement. The complainant had paid the amount requested one year previous to the complaint and had received confirmation that the check had been deposited. The March 2017 complaint resulted from his receipt of a collection letter from CCS demanding payment for the past due amount he had already cleared. His attempts to resolve the matter by contacting CCS resulted in “the run-around.” At some point, a Central Credit Services representative confirmed that he no longer owed the outstanding balance, but the complainant had been unable to confirm with them that the matter was the result of an error.
Central Credit Services did not post a response to any of these complaints.
The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) enforce consumer protection laws, including the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These two federal laws help regulate the collections industry. The FDCPA prohibits actions such as the use of false or misleading statements in an effort to collect a debt.
The FCRA regulates how collection agencies report information to credit reporting agencies. Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA).
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA.
The case above illustrates how understanding your rights and responsibilities under these laws can help you hold collection agencies legally accountable. Seek legal assistance if you need help resolving a dispute with a collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
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The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call ? 844-685-9200 NOW.
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